Senior Commercial Lending Manager

3 days ago

Rockville, Maryland, United States Capital Bank Full time
About Us

Capital Bank N.A. is a leading financial institution headquartered in Maryland, serving our communities since 1999. As a publicly traded company (NASDAQ: CBNK) with over $2 billion in assets, we offer a comprehensive suite of commercial and consumer banking services to clients in Maryland, DC, and Northern Virginia, as well as two nation-wide lending brands; Capital Bank Home Loans and OpenSky, a credit card division that offers and services credit cards across all states. Our personalized approach to banking, paired with cutting-edge technology solutions, fuels our growth and enables us to support our customers at every stage in their financial journey.

Position Purpose

The Senior Commercial Lending Manager works closely with the President/Specialty Lending Group (SLG), and Chief Credit Officer to evaluate the financial information and needs of prospective and existing borrowers. This role is responsible for gathering and analyzing credit information, conducting extensive in-depth company, financial, and industry analysis, and performing due diligence to evaluate risk/return structures of financing transactions. The Senior Commercial Lending Manager prepares Loan Presentation Summary and Narrative Memoranda, and regularly interfaces with Clients, President/SLG, Credit and Loan Administrators, and Senior Management to provide recommendations relating to credit extension decisions.

Key Responsibilities
  • Conducts thorough financial analysis and research to underwrite loan renewals, extensions, and modifications, analyzing and structuring the renewal proposals, completing the underwriting and evaluation process to ensure that deadlines are consistently met.
  • Ensures all required documentation is collected and maintained as required by existing policy.
  • Conducts thorough reviews of current portfolio clients whose loans are maturing or facilities being renewed, including review of financials, site visits, and assessment of general business information and other factors that would be indicators of risk.
  • Establishes and maintains relationships with current and prospective customers, leveraging customer knowledge to proactively identify and recommend opportunities to cross-sell additional loan and non-credit products to clients.
  • Ensures loan terms and conditions adhere to established credit policy, ensuring compliance with applicable federal, state, and local laws and regulations, agency guidelines, and organization policies.
  • Provides timely and accurate reporting to senior management.
  • Works with outside vendors and professionals as needed.
  • Responsible for supporting and maintaining an assigned Portfolio of business relationships and meeting annual goals/metrics accordingly.
Requirements
  • Bachelor's degree in a relevant field or equivalent work experience.
  • 10+ years of experience in a commercial lending environment with proven experience in credit evaluation, portfolio risk assessment, and/or special assets.
  • Experience managing complex loan portfolios.
Technical Knowledge and Skills
  • Thorough knowledge of commercial lending process, including credit evaluation and underwriting.
  • Strong organizational skills with proven ability to set priorities in a multi-task environment and meet deadlines.
  • Demonstrates excellent critical thinking skills.
  • Detailed knowledge and understanding of credit and financial analysis tools and techniques.
  • Ability to identify and quantify business risks as well as the key drivers of risk and focus decisions accordingly, especially with complex credits.
  • Strong written and oral communication skills.
  • Exhibits a bias towards action; takes ownership of the process.
  • Ability to accurately interpret lending policy and apply same to the management of the portfolio.
  • Thorough knowledge of banking regulations and laws governing commercial lending.
  • Demonstrated proficiency with Microsoft Office, with specific capability in Word and Excel.
Additional Details
  • This opportunity offers the flexibility to work in a hybrid working environment.
  • Must have the ability to travel within a defined market area.

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